Trustworthy Cross-Border Interoperable Identity System for Developing Countries

Foundational identity systems (FIDS) have been used to optimise service delivery and inclusive economic growth in developing countries. As developing nations increasingly seek to use FIDS for the identification and authentication of identity (ID) holders, trustworthy interoperability will help to develop a cross-border dimension of e-Government. Despite this potential, there has not been any significant research on the interoperability of FIDS in the African identity ecosystem. There are several challenges to this; on one hand, complex internal political dynamics have resulted in weak institutions, implying that FIDS could be exploited for political gains. On the other hand, the trust in the government by the citizens or ID holders is habitually low, in which case, data security and privacy protection concerns become paramount. In the same sense, some FIDS are technology-locked, thus interoperability is primarily ambiguous. There are also issues of cross-system compatibility, legislation, vendor-locked system design principles and unclear regulatory provisions for data sharing. Fundamentally, interoperability is an essential prerequisite for e-Government services and underpins optimal service delivery in education, social security, and financial services including gender and equality as already demonstrated by the European Union. Furthermore, cohesive data exchange through an interoperable identity system will create an ecosystem of efficient data governance and the integration of cross-border FIDS. Consequently, this research identifies the challenges, opportunities, and requirements for cross-border interoperability in an African context. Our findings show that interoperability in the African identity ecosystem is vital to strengthen the seamless authentication and verification of ID holders for inclusive economic growth and widen the dimensions of e-Government across the continent.Comment: 18 pages, 4 figures, In 2023 Trustworthy Digital Identity International Conference, Bengaluru, Indi

IAMS framework: a new framework for acceptable user experiences for integrating physical and virtual identity access management systems

The modern world is populated with so many virtual and physical Identity Access Management Systems (IAMSs) that individuals are required to maintain numerous passwords and login credentials. The tedious task of remembering multiple login credentials can be minimised through the utilisation of an innovative approach of single sign-in mechanisms. During recent times, several systems have been developed to provide physical and virtual identity management systems; however, most have not been very successful. Many of the available systems do not provide the feature of virtual access on mobile devices via the internet; this proves to be a limiting factor in the usage of the systems. Physical spaces, such as offices and government entities, are also favourable places for the deployment of interoperable physical and virtual identity management systems, although this area has only been explored to a minimal level. Alongside increasing the level of awareness for the need to deploy interoperable physical and virtual identity management systems, this paper addresses the immediate need to establish clear standards and guidelines for successful integration of the two medium

After the hype: e-commerce payments grow up

On June 18, 2003, the Payment Cards Center of the Federal Reserve Bank of Philadelphia and the Electronic Commerce Payments Council (eCPC) of the Electronic Funds Transfer Association co-hosted a workshop forum to explore areas of mutual interest related to the proliferation of e-commerce payments. This was the second event jointly sponsored by the groups. ; The first forum, “The Future of e-Commerce Payments,” which was held in June 2002, focused on the possibilities ahead, as various electronic payment channels displace paper checks as a primary payment form. The more recent forum, “After the Hype: e-Commerce Payments Grow Up,” continued the dialog, emphasizing recent economic and marketplace realities that impact ecommerce payments innovation, acceptance, and maturation. ; Participants and speakers included Federal Reserve staff and industry leaders.Electronic commerce

Authentication and authorisation in entrusted unions

This paper reports on the status of a project whose aim is to implement and demonstrate in a real-life environment an integrated eAuthentication and eAuthorisation framework to enable trusted collaborations and delivery of services across different organisational/governmental jurisdictions. This aim will be achieved by designing a framework with assurance of claims, trust indicators, policy enforcement mechanisms and processing under encryption to address the security and confidentiality requirements of large distributed infrastructures. The framework supports collaborative secure distributed storage, secure data processing and management in both the cloud and offline scenarios and is intended to be deployed and tested in two pilot studies in two different domains, viz, Bio-security incident management and Ambient Assisted Living (eHealth). Interim results in terms of security requirements, privacy preserving authentication, and authorisation are reported

Electronic security - risk mitigation in financial transactions : public policy issues

This paper builds on a previous series of papers (see Claessens, Glaessner, and Klingebiel, 2001, 2002) that identified electronic security as a key component to the delivery of electronic finance benefits. This paper and its technical annexes (available separately at http://www1.worldbank.org/finance/) identify and discuss seven key pillars necessary to fostering a secure electronic environment. Hence, it is intended for those formulating broad policies in the area of electronic security and those working with financial services providers (for example, executives and management). The detailed annexes of this paper are especially relevant for chief information and security officers responsible for establishing layered security. First, this paper provides definitions of electronic finance and electronic security and explains why these issues deserve attention. Next, it presents a picture of the burgeoning global electronic security industry. Then it develops a risk-management framework for understanding the risks and tradeoffs inherent in the electronic security infrastructure. It also provides examples of tradeoffs that may arise with respect to technological innovation, privacy, quality of service, and security in designing an electronic security policy framework. Finally, it outlines issues in seven interrelated areas that often need attention in building an adequate electronic security infrastructure. These are: 1) The legal framework and enforcement. 2) Electronic security of payment systems. 3) Supervision and prevention challenges. 4) The role of private insurance as an essential monitoring mechanism. 5) Certification, standards, and the role of the public and private sectors. 6) Improving the accuracy of information on electronic security incidents and creating better arrangements for sharing this information. 7) Improving overall education on these issues as a key to enhancing prevention.Knowledge Economy,Labor Policies,International Terrorism&Counterterrorism,Payment Systems&Infrastructure,Banks&Banking Reform,Education for the Knowledge Economy,Knowledge Economy,Banks&Banking Reform,International Terrorism&Counterterrorism,Governance Indicators

Developments, Issues, and Initiatives in Retail Payments

Innovations in basic information technologies, in payment applications, and in the availability of global markets, as well as substantial changes in financial sector policy, have fundamentally changed how the retail payments system in Canada operates. Principally, the volume and types of electronic payments have grown, and there is increased participation by diverse groups of financial and non-financial institutions as providers of retail payment services. The resulting policy problem for payment systems is how best to benefit from efficiency gains while managing payment risks. O'Connor examines the effect of the technological and legislative changes and the initiatives developed by the public and private sectors in such areas as the market arrangements for services; customer risks and costs for settling large-value retail payments; the security of payment information and the efficiency with which it is transmitted; and the effects of differing regulatory regimes on competition among providers of retail payment services.